What Medical Conditions Disqualify You From Life Insurance?
When you apply for life insurance, insurance companies assess your medical history to determine whether you qualify for coverage, and some pre-existing medical conditions might raise your premium or disqualify you entirely from certain types of life insurance.
| Medical Conditions | Impact on Life Insurance |
|---|---|
| High blood pressure | Might raise your premium |
| Diabetes | Might raise your premium |
| Cancer | Might disqualify you |
| Asthma | Might raise your premium |
| Smoking and chewing tobacco | Might raise your premium |
Other than these medical conditions, insurers may also ask questions about your age, fitness level, lifestyle, and family medical history. In many cases, you will be required to undergo a medical exam to qualify for life insurance.
If you have pre-existing conditions, you can still qualify for life insurance if you have the right treatment plan and shop around for different options. Even if you are denied coverage, you still have other options like group life insurance and guaranteed issue life insurance.
It is not advisable to lie about your health on your life insurance application. If your insurer later discovers false information or omissions, you could be disqualified from coverage or experience a significant premium increase.
Lastly, when purchasing a policy, you might consider adding a guaranteed insurability rider in case you want to increase your death benefit at a later date without undergoing medical testing.
